Common use of Additional Provisions Concerning Use of Information Clause in Contracts

Additional Provisions Concerning Use of Information. i. You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Zelle® Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering” or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department. ii. You understand that in order to complete transfers using the Zelle® Transfer Service, it may be necessary for us to communicate with other financial institutions and other participants in the Zelle® Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Zelle® Transfer Service, and you give us a license to do so. iii. You authorize us and other Participating Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to: 1. initiate and complete Transfer Transactions, and 2. provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service. iv. Your authorization includes, but is not limited to, providing such information to: 1. Users to whom you send or attempt to send funds, or from whom you receive or attempt to receive funds, using the Zelle® Transfer Service, 2. Zelle®, 3. User’s Financial Institutions, and 4. any intermediary or service that is in any way facilitating or processing the Transfer Transaction. v. We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants. vi. Each time you use the Zelle® Transfer Service, you represent and warrant to us that: 1. you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Addendum, 2. you are not violating any other person’s rights when you provide us information and instruct us to initiate or complete a fund transfer, and 3. all the information you provide to us is true, current, accurate, and complete. vii. We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Zelle® Transfer Service. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle® Transfer Service participants. viii. You also authorize us and Zelle® to capture certain information from your mobile device or internet browser used to access the Zelle® Transfer Service, including, but not limited to, Internet Protocol (IP) address and geolocation (if enabled on your device). We and Zelle® may use such information to: operate and maintain the Zelle® Transfer Service; prevent, detect and protect against security incidents, fraud and prohibited or illegal activities related to the Zelle® Transfer Service; conduct internal research to improve the Zelle® Transfer Service; prepare anonymized reports about the use of the Zelle® Transfer Service; or for legal or compliance purposes. d. Changes to Email Address, Mobile Phone Number, and Zelle Tag i. You agree that you will notify us immediately in the event of a change to any email address, mobile phone number, or Zelle® tag that has been provided to us and is associated with you. You may instruct us to change any email address, mobile phone number, or Zelle® tag we associate with the Zelle® Transfer Service at any time. Email address, mobile phone number, and Zelle® tag changes may be initiated: 1. at your request; 2. if we receive notice of change to your email address, mobile phone number, or Zelle® tag from any Participating Financial Institution or any common carrier; or 3. if we receive information from another party in the business of providing correct contact information that the email address, mobile phone number, or Zelle® tag in our records no longer is associated with you. ii. We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.

Additional Provisions Concerning Use of Information. i. You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Zelle® Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent “"money laundering” " or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department. ii. You understand that in order to complete fund transfers using the Zelle® Transfer Service, it may be necessary for us to communicate with other financial institutions and other participants in the Zelle® Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Zelle® Transfer Service, and you give us a license to do so. iii. You authorize us and other Participating Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to: 1. : • initiate and complete Transfer Transactions, and 2. and • provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service. iv. Your authorization includes, but is not limited to, providing such information to: 1. : • Users to whom you send or attempt to send funds, funds or from whom you receive or attempt to receive funds, funds using the Service, • Zelle® Transfer Service, 2. Zelle®, 3. , • User’s 's Financial Institutions, and 4. and • any intermediary or service that is in any way facilitating or processing the Transfer Transaction. v. . We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants. vi. Each time you use the Zelle® Transfer Service, you represent and warrant to us that: 1. : • you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Addendum, 2. , • you are not violating any other person’s 's rights when you provide us information and instruct us to initiate or complete a fund transfer, and 3. and • all the information you provide to us is true, current, accurate, and complete. vii. We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Zelle® Transfer Service. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle® Transfer Service participants. viii. You also authorize us and Zelle® to capture certain information from your mobile device or internet browser used to access the Zelle® Transfer Service, including, but not limited to, Internet Protocol (IP) address and geolocation (if enabled on your device). We and Zelle® may use such information to: operate and maintain the Zelle® Transfer Service; prevent, detect and protect against security incidents, fraud and prohibited or illegal activities related to the Zelle® Transfer Service; conduct internal research to improve the Zelle® Transfer Service; prepare anonymized reports about the use of the Zelle® Transfer Service; or for legal or compliance purposes. d. Changes to Email Address, Mobile Phone Number, and Zelle Tag i. You agree that you will notify us immediately in the event of a change to any email address, mobile phone number, or Zelle® tag that has been provided to us and is associated with you. You may instruct us to change any email address, mobile phone number, or Zelle® tag we associate with the Zelle® Transfer Service at any time. Email address, mobile phone number, and Zelle® tag changes may be initiated: 1. at your request; 2. if we receive notice of change to your email address, mobile phone number, or Zelle® tag from any Participating Financial Institution or any common carrier; or 3. if we receive information from another party in the business of providing correct contact information that the email address, mobile phone number, or Zelle® tag in our records no longer is associated with you. ii. We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.

Additional Provisions Concerning Use of Information. i. You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Zelle® Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering” or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department. ii. You understand that in order to complete transfers using the Zelle® Transfer Service®, it may be necessary for us to communicate with other financial institutions and other participants in the Zelle® Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Zelle® Transfer Service®, and you give us a license to do so. iii. You authorize us and other Participating Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to: 1. : □ initiate and complete Transfer Transactions, and 2. and □ provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service. iv®. Your authorization includes, but is not limited to, providing such information to: 1. : □ Users to whom you send or attempt to send funds, or from whom you receive or attempt to receive funds, using the Zelle® Transfer Service, 2. Zelle®, 3. , □ Zelle®, □ User’s Financial Institutions, and 4. and □ any intermediary or service that is in any way facilitating or processing the Transfer Transaction. v. . We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants. vi. Each time you use the Zelle® Transfer Service®, you represent and warrant to us that: 1. : □ you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Addendum, 2. the Zelle Terms, □ you are not violating any other person’s rights when you provide us information and instruct us to initiate or complete a fund transfer, and 3. and □ all the information you provide to us is true, current, accurate, and complete. vii. We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Zelle® Transfer Service®. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle® Transfer Service participants. viii. You also authorize us and Zelle® to capture certain information from your mobile device or internet browser used to access the Zelle® Transfer Service®, including, but not limited to, Internet Protocol (IP) address and geolocation (if enabled on your device). We and Zelle® may use such information to: operate and maintain the Zelle® Transfer Service®; prevent, detect and protect against security incidents, fraud and prohibited or illegal activities related to the Zelle® Transfer Service®; conduct internal research to improve the Zelle® Transfer Service®; prepare anonymized reports about the use of the Zelle® Transfer Service®; or for legal or compliance purposes. d. Changes to Email Address, Mobile Phone Number, and Zelle Tag i. You agree that you will notify us immediately in the event of a change to any email address, mobile phone number, or Zelle® tag that has been provided to us and is associated with you. You may instruct us to change any email address, mobile phone number, or Zelle® tag we associate with the Zelle® Transfer Service at any time. Email address, mobile phone number, and Zelle® tag changes may be initiated: 1. at your request; 2. if we receive notice of change to your email address, mobile phone number, or Zelle® tag from any Participating Financial Institution or any common carrier; or 3. if we receive information from another party in the business of providing correct contact information that the email address, mobile phone number, or Zelle® tag in our records no longer is associated with you. ii. We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.

Additional Provisions Concerning Use of Information. i. You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Zelle® Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent “"money laundering” " or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department. ii. You understand that in order to complete fund transfers using the Zelle® Transfer Service, it may be necessary for us to communicate with other financial institutions and other participants in the Zelle® Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Zelle® Transfer Service, and you give us a license to do so. iii. You authorize us and other Participating Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to: 1. : ▪ initiate and complete Transfer Transactions, and 2. and ▪ provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service. iv. Your authorization includes, but is not limited to, providing such information to: 1. : ▪ Users to whom you send or attempt to send funds, funds or from whom you receive or attempt to receive funds, funds using the Service, ▪ Zelle® Transfer Service, 2. Zelle®, 3. , ▪ User’s 's Financial Institutions, and 4. and ▪ any intermediary or service that is in any way facilitating or processing the Transfer Transaction. v. . We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants. vi. Each time you use the Zelle® Transfer Service, you represent and warrant to us that: 1. : ▪ you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Addendum, 2. , ▪ you are not violating any other person’s 's rights when you provide us information and instruct us to initiate or complete a fund transfer, and 3. and ▪ all the information you provide to us is true, current, accurate, and complete. vii. We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Zelle® Transfer Service. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle® Transfer Service participants. viii. You also authorize us and Zelle® to capture certain information from your mobile device or internet browser used to access the Zelle® Transfer Service, including, but not limited to, Internet Protocol (IP) address and geolocation (if enabled on your device). We and Zelle® may use such information to: operate and maintain the Zelle® Transfer Service; prevent, detect and protect against security incidents, fraud and prohibited or illegal activities related to the Zelle® Transfer Service; conduct internal research to improve the Zelle® Transfer Service; prepare anonymized reports about the use of the Zelle® Transfer Service; or for legal or compliance purposes. d. Changes to Email Address, Mobile Phone Number, and Zelle Tag i. You agree that you will notify us immediately in the event of a change to any email address, mobile phone number, or Zelle® tag that has been provided to us and is associated with you. You may instruct us to change any email address, mobile phone number, or Zelle® tag we associate with the Zelle® Transfer Service at any time. Email address, mobile phone number, and Zelle® tag changes may be initiated: 1. at your request; 2. if we receive notice of change to your email address, mobile phone number, or Zelle® tag from any Participating Financial Institution or any common carrier; or 3. if we receive information from another party in the business of providing correct contact information that the email address, mobile phone number, or Zelle® tag in our records no longer is associated with you. ii. We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.